Now that 2015 is upon us, people all over the country are doing their best to stick to their New Year's resolutions. Among the most popular goals is getting finances in order, which often includes getting out from under credit card debt or improving credit history. Although this is an uphill battle, it's certainly not impossible, and smart borrowers can take a lot of little steps that will pay off in the long run. 

If you've decided to spend the next 12 months focusing on your credit and spending, you don't have to make any dramatic changes to your lifestyle. Here are a few small ways you can achieve your financial resolutions this year. 

Change your spending habits
It all starts by creating a budget and sticking to it. Make sure you're setting aside a certain amount of money for savings each month while still paying off loans and current bills. Don't underestimate your typical spending when putting the budget plan together. Instead, overestimate and then put any leftover funds toward a savings account. 

Focus on high interest rates
When you're paying off loans, you've got to spread the love. However, you should be focusing on debts with high interest rates. Prolonging this repayment will only cost you more in the long run. Additionally, if you know a certain credit card is charging you obscenely high rates, consider shopping around for another option or drastically limiting spending on that card to reduce the amount you're paying in interest. 

Consider refinancing if necessary
The New York Post reported that people should have a plan for paying debts as soon as possible. That may include refinancing or even consolidating loans. Although that may seem like an extreme measure, it could be a smart choice for anyone who is feeling overwhelmed by debt. With the help of a professional or smart advisor, getting out of debt may be more manageable. 

Plan for future purchases
Do you have a feeling you're going to need a car in the near future? Bad credit doesn't have to inhibit you from buying a used car soon. At New Jersey State Auto Auction, drivers are guaranteed credit approval and can take advantage of guidance from a fully staffed team of experts in the financing department. The entire auto auction process allows you to limit your spending and find great deals on used cars.